Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy — Frequently Asked Questions
Answers to the questions founders most often ask about Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy — who qualifies, the funding amount, required documents and how the application works.
Frequently asked questions
How much funding is offered under the Udyogini Scheme?
The scheme provides subsidised loans of up to ₹3 lakh at 6% interest per annum.
What is the application deadline?
The Udyogini Scheme is open on a rolling basis with no fixed deadline. Applications are accepted throughout the year.
Who is eligible to apply?
Women aged 18–55 years who are permanent residents of Karnataka are eligible. The annual family income must be below ₹1.5 lakh, except for widows and differently-abled women (no income limit). Applicants must not be in default on any prior loan.
Does the scheme cover startups in any specific sector?
Yes, the scheme covers micro-enterprises in manufacturing and services, including food processing, textiles, embroidery, bookbinding, printing, and service businesses.
Is Udyogini a grant or a loan? Does it take equity?
It is a subsidised loan with a capital subsidy component. The subsidy is a grant that reduces the loan amount, but no equity is taken by the government.
What are the subsidy percentages for different categories?
SC/ST women receive a 50% capital subsidy. General and special category women receive a 30% subsidy, capped at ₹90,000.
What is the repayment tenure and moratorium period?
The loan tenure is 36 months (3 years), with a 6-month moratorium before repayment begins.
Which financial institutions disburse the loans?
Loans are disbursed through commercial banks, cooperative banks, and Regional Rural Banks (RRBs) in Karnataka.
Does the applicant need DPIIT or MSME registration?
The scheme does not explicitly require DPIIT or MSME registration based on the available information.
How and where can I apply?
Applications can be submitted through the Karnataka State Women's Development Corporation (KSWDC) website at https://kswdc.com/ or through participating banks.
Who offers Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy?
Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy is offered by Government of Karnataka, a government body. It is provided as non-dilutive funding.
How do I apply for Udyogini Scheme — Karnataka Women Entrepreneur Loan & Subsidy?
Apply directly through the official application link on this page. Review the eligibility criteria and prepare your startup documents before you begin.
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